Click here to find the best quote from leading UK life insurers. We recommend you get a quote from at least three companies.

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Life-direct.co.uk independently search all the leading insurers for the UK life insurance cover you want at the cheapest price. They also sacrifice some of the commission paid to them to reduce your premiums further. Your free quote will show you how to apply for cover at the discounted rates.

Mortgage Protection Insurance UK

Mortgage Protection Insurance UK plans are commonly used to protect a 'repayment' style mortgage i.e. where your debt to the lender reduces over the mortgage term. If you die during the mortgage term, the 'mortgage protection' policy produces a lump sum, which is used to pay off the outstanding balance of your mortgage.

Over the plan term, the amount of life cover reduces to match your outstanding mortgage loan - this helps keep the cost down as you are only paying for cover you need. This is usually the cheapest way of insuring your repayment mortgage.

Family Income Benefit UK

Family Income Benefit UK plans are commonly used for family protection. However, rather than producing a lump sum should you die during the selected term, the policy produces a regular tax free income for your dependants for the remainder of the plan term.

The amount of 'income benefit' usually remains level over the plan term selected, although you can request that benefits increase in line with inflation as an optional extra.

A Family Income Benefit UK policy is usually the cheapest way of providing benefits for your dependants, although it is also worth considering a policy which produces a lump sum on death (see 'level term assurance').

Critical Illness Cover UK

Critical Illness Insurance UK will pay you a tax free lump sum on diagnosis of any one of a wide range of critical illnesses including cancer, heart attack, stroke, brain tumour and many more.

Critical Illness Cover UK is offered as a basic or comprehensive policy. The basic plan will cover the main conditions and generally a comprehensive plan will cover many more which may include loss of sight, permanent disability, loss of hearing etc. Your quotation will include details of the cover.

Additional information can be found on the Life-direct.co.uk Life Insurance website.
(See the links above)